These days, I'm again debating whether to use the mainnet or L2, basically: the mainnet is expensive but feels more secure, while L2 is cheaper but sometimes requires outsmarting the "system prompts."

My compromise approach is pretty simple: small amounts and high frequency go on L2, treating it as daily commuting; for large transactions, permission changes, or migrating assets, I grit my teeth and go on the mainnet once, with gas fees as insurance.
Seeing too many cross-chain bridge hacks, I now pause for 30 seconds before crossing… just to check if the TVL curve suddenly jerks.
And during that wave of oracle price fluctuations, "waiting for confirmation" has become the default group behavior, which is a bit frustrating, but at least it prevents missteps.
Anyway, I added one more column to my spreadsheet: psychological cost.